Am I covered for big events, like those during the Christmas season?

With the holiday season upon us, it is likely that your church is busy spreading Christmas cheer with different events and activities.  While these events are meant to be celebrations, it is still important to ensure that you have appropriate coverage in place to help protect you from situations that may arise.   

Many events that are holiday-themed but categorized as normal church functions can be covered by your general liability insurance.  Some examples are Christmas plays, concerts, or craft shows where there are opportunities for slips, trips, and falls, and other small accidents.  Commercial auto insurance may cover accidents that occur while delivering or transporting gifts and holiday decorations.  Your property insurance might cover theft or damage to your church buildings in the unfortunate event that an incident happens during the busy Christmas season. 

Regardless of what your church has planned for the holidays, there are few key points to consider: 

  1. Safety first Always follow reasonable precautions to help ensure the safety of your people and property.  For example, extension cords can be trip hazards so it is important to place them out of high traffic areas and be sure they are not damaged.   

  2. Know your coverage Be aware of what insurance you currently have in place and what it entails.  If you are unsure of what coverage you hold or if it is adequate for the activities you are planning, speak to your insurance agent. 

  3. Special event insurance is available If the events you are planning go beyond the scope of normal church functions, it may be possible for you to obtain special event insurance.  This type of insurance acts as its own policy to help protect your church against risks associated with a specific event.  If you are not sure of whether your event requires special event insurance, speak to your insurance agent.   

  4. Protection for future events The guidelines discussed above can be applied beyond just Christmas events. Use your best judgement while preparing for and enjoying events.   

It is important to ensure you have the appropriate coverage in place and are taking proper safety steps for any big event that your church has planned during the year.  Easter egg hunts, summer festivals, or back-to-school gatherings are some examples.  As your church strives to fulfill your mission in the community, it is important to prioritize the protection of your people, property, and ministry. 

Questions about insurance for your church’s events? 

Suracy Faith, our trusted partner for property and casualty insurance, is available to answer questions you may have regarding coverage for your events.  Suracy is also able to offer insurance solutions should you need to secure coverage for your church for any reason.  Contact Suracy Faith at 866-203-0777 or

Submit a question to Ask The Expert for the chance to win a prize!

Submit a question for our Ask the Expert column at for the chance to win a prize! If we chose your question to be featured in an upcoming article in the Church Protection Connection, we will send you a free copy of The Secret to Cybersecurity by Scott Augenbaum, Retired FBI Agent, Cyber Division.  The book provides important tips and steps you can take to help prevent cybercrime.